thanks guys. yeah i know about layering. i lived up north for a shortwhile up near toms River ohio. but the advice is well written. thanks. but back to my question: is black insulating color what i need
You'll find you will be happy. What you need is also dependant on how easy you get cold. If you haven't had Carhartts and start buying them, before long you will have a variety anyway.
Try to find a local dealer and go try some different models on. Most the time at a local hardware store or Tractor Supply they know a little about the lines of Carhartt that they sell.